I-Mutual Funds Inokubangela iintlawulo ezinkulu zerhafu kwii-Markets

Ungakuphepha njani ukutshatyalaliswa kweentlawulo ezithandekayo kwiindawo zakho zokutshala imali

Abanini-zimali abaninzi ababambe imali ngaphandle kwemali ehlawulwe irhafu efana ne- 401 (k) okanye i-Roth IRA baya kufumana ukunyuswa okungaqhelekanga xa umthengisi wabo ebathumela amaxwebhu abo yerhafu. Umyinge wabantu abafumene ilahleko ze-30%, i-40%, kunye ne-50% okanye ngaphezulu banokufumanisa ukuba baneemali zentlawulo ezuzwayo kulaba balahlekileyo. Musa ukucinga ukuba kunokwenzeka? Ngelishwa, ngenxa yeendlela zokubambisana kweemali ezihlangeneyo, yinto elula ukuba abaninzi abatshali-mali abatsha abaziqondi.

Ukugonywa kwiPlasti yakho yeeMpahla

I-fund yokubambisana ayikho nto ngaphandle kwedatha yexabiso elijongene nomphathi wezemali. Imithetho yerhafu ichaza ukuba i-fund ifuna ukuhlawula izabelo zayo, ukufumana imali eyinkunzi, kunye neminye ingeniso kubanikazi be-fund kunye ngonyaka. Iimali ezininzi, ngakumbi abo baneenkampani zolawulo eziqeqeshwe ezinqwenela ukubamba izikhundla zangexesha elide, banako ukukhusela iirhafu ngeminyaka kuba bathenga izabelo zamashishini baze bawafake kwivenkile yebhanki. Oku kuvumela ukuba bagcine imali ethe xaxa bebenzela abo abanini-mali. Isiphumo seminyaka, ngamanye amaxesha, ngamashumi eminyaka, iintengo ezingenakwenzeka ezingenakubalwa okwandisa ukubaluleka kwexabiso lesabelo sokwabelana ngemali kodwa ungasayi kuhanjiswa-kwaye ke, awuyi kubhatala irhafu kubo.

Kwiengxaki ezili-18 ezidlulayo kwiinyanga ezilishumi elinesibhozo ezidlulileyo njengoko ubunzima beebredari bezityhutyha kuluntu lwezemali nakwimali ebanzi, into engalindelekanga yenzeke.

Umyinge wemali-mali, ongenakukwazi ukujongana noxinzelelo lwamaxabiso okuguquguquka kwamanani amabini, alahlekise imali yazo ngokubanzi. Oku kwagxininisa abaqeqeshi ababephethe le mali ukuze bathengise ama-stocks ababeyazi ukuba baxabisa kakhulu ngaphezu kwexabiso lemarike langoku ukuze bafike ngemali yabo kulabo abafunayo ngaphandle kwesikhwama.

Xa ukukhululwa kwagqithisa, abaninzi babo baphoqeleka ukuba bathengise izabelo zalaba baphumelele kwixesha elide abanemali eninzi engenakunikwa. Nangona ilahleko ezinkulu zonyaka, ukuzuza kwezi ziqinisekiso zexesha elide bekuninzi. Njengoko ukuhlengahlengwa kwaza kwandiswa kwaye izabelo zazithengiswa, ukuzuza kwagqitywa kwaqalwa - uqikelele-yerhafu yenzuzo enkulu.

Ukubonisa umxholo, makhe ndisebenzise umzekelo. Khawucinge ukuba ndilawulwa ngxowa-mali ebizwa ngokuba yi-Super Value Fund 500. Ngaphezulu kweminyaka engamashumi amabini edlulileyo, le ngxowa-mali eqingqiweyo inikwe imali kwi-Microsoft IPO. Saphengula imali engama-$ 500,000 kwi-500,000,000 yeeRhafu kwi-capital income engenayo engama-499,500,000. Ngoku, asizange sithengise nayiphi na isisitishi ukuze kubekho irhafu ehlawulwayo kuloo ntlawulo. Ukuba sasingathengisa isitokhwe kwaye sisasaze inzuzo ye-$ 499,500,000 kubanini-mali bethu ababambisene nabo ngemali, ngamnye uya kuba noxanduva lweentlawulo zakhe. Abo babambe utyalo-mali ngenxa ye-akhawunti yomhlala phantsi okanye i-akhawunti enetyala-mali ayiyi kuba netyala, kodwa abo babenezo zabo izabelo ezigcinwe kwi-akhawunti ye-brokerage rhoqo ziya kuxhomekeka kwingxowa-mali eyinzuzo (okwangoku i-15% njengale xesha eli nqaku).

Baya kuba neerhafu zeRhafu ngaphezulu kwelo.

Njengomphathi weNgxowa-mali, andinayo injongo yokuthengisa eso sitokisi. Ukuba kuthengiswa kweemarike kunye nabaxhasi bezimali, nangona kunjalo, ndiya kunyanzelwa ukuba ndifike ngemali yokukhulula izabelo zabo. Ngenxa yoko, ndinokunyanzeliswa ukuba ndithengise enye yale mveliso yeMicrosoft, ebangela i-tax-earnings, eyakhayo enkulu. Inxalenye eyingozi kukuba ukuba uthenge isitokisi sakho kwiiveki ezimbalwa ngaphambi kokuba le sigqibo senziwe kwaye uhanjiso luhlawulwe ekupheleni konyaka, uya kuhlawula ngempumelelo imali engaphezulu kweminyaka engama-25 yentlawulo yotyalo-mali kumntu ongekho imali ngaphandle kwesiza. Ngoko-ke, awukwazi nje ukubukela ukubamba kwakho ukuwa xa i-marhwebo iwela, kodwa ufika ukuthabatha ithebhu yomnye umntu oye wafumana ukunyuka kweemeteoro kwikota yesofthiwe.

Yintoni enyantlupheko yimeko yonke kukuba amadoda namabhinqa enza oko kanye imbali ibonakalisile imisebenzi, oko kukuthi, iqhubela phambili kumyinge weendleko zedola , ukubuyisela iintlawulo , nokugxila kwiimpahla ezinobulunga obuqinileyo, zijeziswe ngenxa yobungenangqondo zabanye. Yingakho kubalulekile ukuzikhusela phambi kokuba into enjengale iyenzeka. Njani? Ngokulandela imithetho emibini elula.

• Ungalokothi uthenge i-fund ndawonye ngaphambi kokuba usasaze ngaphandle kokuba i-akhawunti engena-ntlawulo.
• Ungalokothi uthenge i-fund eyodwa ngaphandle kwe-akhawunti engenanto yerhafu okanye i-akhawunti eneentlawulo ezinjenge-401 (k), i-Roth IRA, i-SEP-IRA, i-IRA elula, iSicwangciso soSabelo soNcedo, kwaye ngaphandle kokuba uzimisele ukuthatha ingozi enkulu yentlawulo yentlawulo.

Landela ezo zikhokelo zimbini kwaye uza kuba nelilithuba lokulwa lokukhupha iirhafu ezingenakubulungisa.